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We just went into contract on a home in Nassau County for $425k. We are putting down more than 20% and have excellent credit scores (mine was 816 ). I was planning on using the Bethpage Credit Union but now some banks like Wells Fargo are offering lower rates like 4.75%.
We just went into contract on a home in Nassau County for $425k. We are putting down more than 20% and have excellent credit scores (mine was 816 ). I was planning on using the Bethpage Credit Union but now some banks like Wells Fargo are offering lower rates like 4.75%.
Anyone have experience with Wells Fargo?
They are my #1 recommendation (I get nothing for it). Have someone if you are interested ...
I have a WF guy already thanks! FYI - the 4.75 is with no points. I'm looking at the good faith estimate right now. I wanted to use Bethpage (just liked the idea of not using a bank), but BCU is not looking competitve at the moment!
I have a WF guy already thanks! FYI - the 4.75 is with no points. I'm looking at the good faith estimate right now. I wanted to use Bethpage (just liked the idea of not using a bank), but BCU is not looking competitve at the moment!
I have a WF guy already thanks! FYI - the 4.75 is with no points. I'm looking at the good faith estimate right now. I wanted to use Bethpage (just liked the idea of not using a bank), but BCU is not looking competitve at the moment!
IMHO, Wells Fargo is one of the best lenders out there; BCU is good as well (I too like the idea of not using a bank if possible).
Compare all the costs on the GFE line by line and don't hesitate to ask questions; also, any changes should be in writing
Please keep in mind that rates can change several times a day and until you're locked in, you don't have the rate, whatever it may be. This makes it very difficult right now to truly compare rates.
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). I was planning on using the Bethpage Credit Union but now some banks like Wells Fargo are offering lower rates like 4.75%. 
Wells
